My question involves the State of: I am in California, the loans were taken out in California, she now lives in Massachussetts.
Years ago I signed several student loans for a now ex girlfriend, with the promise that when she finished school she would consolidate them out of my name. That never happened, she ran up an insane amount of debt without me paying enough attention. She has not been able to get a decent job even with the degree; in fact she is now unemployed. She has basically never been able to pay on the loans and they have just gotten bigger; now her deferments have run out, and I am being forced to pay them since they would otherwise go into default. He credit is so bad that she has nothing to lose and she is refusing to pay any part of them. When I contact her asking what she is planning to do to make things right she responds abusively and has threatened to force me to pay them forever even when she does get a job.
What options for legal action do I have against this person? Can I sue her or get a court order to ensure she pays the loans when she has the ability? Her vindictive and abusive nature and her threats to stick me with her loans have left me and my family living in fear. I need to make it so she does not have the ability to force me to pay the loans while she sits back and faces no consequences. She has no money and no credit, so suing her directly seems pointless.
What I'm looking for is essentially a garnishment on her wages before the loan itself goes to default, since letting it default would hurt me way more. I need a way to demand a contract or get a court order or other legally enforceable mechanism to make sure she pays the loans when she has the ability. She has been unwilling to give up luxuries because she knows I have to pay the loans, so it would be preferable to force payment of the loans before anything else. I just want to make it so she cannot hold threats over my family's future again ever.
She's also lied about researching consolidation options, and her expenses, and I don't trust that she is even looking for a job. Is there a way to force her to account for her job search, the way the unemployment office supposedly does, but never checks? I would also love to add stipulations about her not being able to harass, abuse, or threaten us, but that seems like it would be something more like a restraining order.
I don't know a lot about the terminology of what I am looking for... I don't even know what is possible or even what type of lawyer to consult to find out. Any help would be greatly appreciated.

